Get 16,000 bonus miles with a new Citi Rewards Card

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From now till 31 March 2023, get 16,000 bonus miles with a new Citi Rewards Card and a minimum spend of S$800 in the first 2 months.

Back in August 2022, Citibank upsized its sign-up bonus for the excellent Citi Rewards Card to 40,000 bonus ThankYou points (16,000 miles). This offer was set to lapse on 31 January 2023, but has now been extended till 31 March 2023. 

Apply here

New-to-bank customers who apply for a Citi Rewards Card by 31 March 2023 will receive 40,000 bonus ThankYou points (equivalent to 16,000 miles) with a minimum spend of S$800. 

New-to-bank Definition
 New-to-bank customers are defined as those who do not currently hold a principal Citi card, and have not in the 12 month period before application. Debit cards, supplementary cards and corporate cards do not count. 

If you don’t already have a Citi Rewards Card — and you should— this is the best time to hop onboard.

Citi Rewards 16,000 miles sign-up offer

Apply here

From 3 January to 31 March 2023, new Citi Rewards cardholders will receive 40,000 ThankYou points (equivalent to 16,000 miles) when they:

  • Apply online for a Citi Rewards Card by 31 March 2023
  • Get approved within 30 days from application
  • Spend at least S$800 on eligible transactions within the first 2 months of approval (see next section for definitions)

Bonus points are on top of the regular base earn rate, and the best way to maximise this is to clock all your S$800 spend on the Citi Rewards’ 10X categories. 

❓ What are 10X categories?

Eligible 10X categories include all spending at all online merchants (excluding travel), and offline spending at merchants with the following MCCs:

  • MCC 5311: Department Stores
  • MCC 5611: Men’s and Boy’s Clothing and Accessories Stores
  • MCC 5621: Women’s Ready to Wear Store
  • MCC 5631: Women’s Accessory and Specialty Stores
  • MCC 5641: Children’s and Infant’s Wear Stores
  • MCC 5651: Family Clothing Stores
  • MCC 5655: Sports and Riding Apparel Stores
  • MCC 5661: Shoe Stores
  • MCC 5691: Men’s and Women’s Clothing Stores
  • MCC 5699: Miscellaneous Apparel and Accessory Shops
  • MCC 5948: Luggage and Leather Good Stores

To illustrate, if you spend the S$800 entirely on 10X categories, you’ll receive a total of 48,000 ThankYou points, broken down as follows:

  • 8,000 ThankYou points for spending S$800 online (@ 10 points/S$1)
  • 40,000 ThankYou points for meeting the minimum spend

That’s equivalent to 19,200 miles. 

Given how easy it is to turn offline transactions into online ones with the Amaze Card, there’s no reason why you shouldn’t be doing this. 

After the nerf: My new Instarem Amaze Card strategy

What counts as qualifying spending?

Successful applicants must spend S$800 within the first two months of approval, otherwise known as the qualifying period.

The qualifying period for meeting the minimum spend runs from the approval date and two full calendar months following that. For example, those approved on 14 July 2022 will have until 30 September 2022 to meet the minimum spend.

In other words, you actually have 2-3 months to hit the minimum spend, and should apply as early in the month as possible to stretch that period. 

Qualifying spend excludes the following:

❌ Qualifying Spend Exclusions
(i) any Equal Payment Plan (EPP) purchases,
(ii) refunded/disputed/unauthorised/fraudulent retail purchases,
(iii) Quick Cash and other instalment loans,
(iv) Citi PayLite/Citi Flexibill/cash advance/quasi-cash transactions/balance transfers/annual card membership fees/interest/goods and services taxes,
(v) bill payments made using the Eligible Card as a source of funds,
(vi) late payment fees and
(vii) any other form of service/ miscellaneous fees

For avoidance of doubt, Citi PayAll transactions will count towards the minimum spend. Amaze transactions are not on the exclusion list. 

When will the miles be credited?

The 40,000 ThankYou points will be credited within three calendar months from the end of the minimum spend period.

What can you do with ThankYou points?

Citi ThankYou points are extremely flexible, with a total of 11 different transfer partners to choose from.

Points can be transferred to miles in blocks of 25,000 Thank You points (10,000 miles). There are some great sweet spots with programmes like Etihad Guest, British Airways Executive Club, and Turkish Miles&Smiles. Even the newly-revitalised Qatar Privilege Club might be a good bet (but heads up: they’ve sneakily reintroduced award segment fees!)

PartnerTransfer Ratio
(ThankYou Points: Miles)

Transfers cost a flat S$26.75. Citibank does not pool points across cards, so if you have both a Citi Prestige and Citi Rewards, you’ll need to pay two conversion fees. 

Citi ThankYou points earned on the Citi Rewards Card are valid for up to five years, and note particularly the “up to”! Some of your points will be valid for as little as three months; it’s a bit confusing, but I’ve explained how it works in the article below. 

PSA: The Citi Rewards Card’s strange expiry policy

Is this offer worth it?

Citibank has also renewed its sign-up offers for the Citi PremierMiles Card, and you’ll need to decide whether to “cash out” your new-to-bank status for the Citi Rewards or Citi PremierMiles Card. 

 Citi RewardsCiti PremierMiles
Annual FeeWaivedS$194.40

The Citi Rewards has no annual fee, and your S$800 spend yields 16,000 miles. On the other hand, the Citi PremierMiles requires you to pay a S$194.40 annual fee, but your S$800 spend yields 30,000 miles. 

There’s two ways of thinking about the cost per mile. If you look at the Citi PremierMiles in isolation, you’re paying S$194.40 for 30,000 miles, which works out to 0.65 cents per mile. But if you consider the alternative, you’re really paying S$194.40 for 14,000 miles (the difference between the Citi Rewards and Citi PremierMiles), which works out to a less attractive 1.39 cents per mile. 

Since you’re only eligible for one offer, you’re going to have to decide whether you just want some “free” miles (in which case go for the Citi Rewards), or if you’re willing to pay a bit out of pocket for a bigger haul (in which case go for the Citi PremierMiles).

SingSaver alternative

If this offer isn’t to your liking, an alternative option is available for applications made via SingSaver (you cannot stack the Citi and SingSaver offers).


New-to-bank customers who apply via SingSaver by 31 January 2023 and spend at least S$500 within 30 days of approval can pick one of the following gifts:

  • Dyson Supersonic
  • Nintendo Switch OLED
  • Apple Airpods Pro 2nd Gen + MagSafe Charger
  • S$350 cash

Be sure to follow the steps below:

  1. Apply through this link
  2. You will be directed to a SingSaver landing page. Enter your email address and click “confirm”
  3. Complete your application and take a screenshot of the Application Reference Number (for Citibank, it’s 12 alphanumeric characters)
  4. Fill in the SingSaver rewards form that will be sent to your email. It’s vital you fill in the form– no form, no reward. 


New Citi Rewards cardholders can enjoy 16,000 bonus miles with a minimum spend of S$800, without the need to pay an annual fee. If they spend that S$800 on eligible 10X categories (and really, that’s the only acceptable way to use this card), that can yield a total haul of 19,200 miles. 

Remember to submit your application by 31 March 2023 if you’re interested. 

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Just a quick question, existing users (CRV) don’t get anything for this sign up right?


Doubt anyone should choose the 16K miles offer as long as the singsaver offer with 400 SGD in hard cash is available.
Covers almost the annual fee for the Prestige (if you’re eligible) that gives 25K miles + a bunch of other benefits.


Nah, a bird in hand is better than two in the bush.

Singsaver makes you jump through loops to get the reward. Not to mention the long waiting time and the occasional “forget” to pay up after several months.



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